Türk Bankacılık Sektöründe Krediler ile Mevduatlar Arasındaki Açığın Kaynağı Nedir ?

Abstract

Turkish banking sector has realized serious reconstruction after the 2001 crisis. Turkish banks left to finance government debts and has turned to their intermediation activities . However, Turkish banks broke the traditional loans-deposits balance and led to situation that loans have surpassed the deposits in the system. This article tries to indicate that the growth of gap between loans and deposits in Turkish banking system results from cross curreny swap transactions and these transactions change the composition of Turkish banks’ liabilities in favour of FX liabilities